Be sure every goal has a specific purpose, a dollar amount that it will cost, and a realistic target date.

With this post, the site above provides a Financial Goal Worksheet. It helps you identify your goals as short-term, mid-term, and long-term, with assigned target dates for completing each goal, and more. An example of a short-term goal might be to stop carrying interest-bearing debt (credit cards) except for big necessities like your mortgage or student loans. You could schedule how you will reduce the balance on your highest interest credit card, and then use it only for things you can afford to pay off in full each month.